After initial contact with a consumer, within how many calendar days must a debt notification letter be sent?

The correct choice is aligned with the guidelines established under the Fair Debt Collection Practices Act (FDCPA), which specifies that a debt collector must send a debt notification letter to the consumer within five calendar days of their initial communication. This letter is critical as it provides consumers with important information regarding their debt, including the amount owed and their rights under the law. The timely delivery of this notification ensures that consumers are informed promptly, allowing them to address their debt and understand their options without unnecessary delays. It is designed to protect consumers by ensuring transparency and proper communication from debt collectors right after engagement.